Quote:
Originally Posted by Nate.G82
I know this is a whole can of worms, but as you probably also think... that should definitely not be considered collision. But they could've twisted the wording to suggest you were at fault for "colliding" with the debris rather than the debris being an unavoidable event. That's something that calling your agent (if they are experienced in talking to claims people) should've helped with.
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One more disclaimer - OP, in regards to a comprehensive claim. Check with your insurance company to see if they have a payout limit for comprehensive. Some insurers have a limit of paying out for a comp claim before it starts affecting your rate. It won't affect it as much as collision, but it may still increase your premium. (This is true in most states, every state has different insurance laws)
@sross
@gaoks